Thunder Bay Car Insurance: Compare Cheap Auto Insurance Quotes

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Drivers can save up to $754* by comparing cheap rates for car insurance in Thunder Bay.

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Find lower auto insurance rates in Thunder Bay

Thunder Bay residents have a greater reliance on their vehicle, and car insurance as a result. The great news is the cost of auto insurance in Thunder Bay is significantly lower compared to the rest of the province.

At ThinkInsure, comparing quotes for Thunder Bay auto insurance is quick and easy. We’ll are partners with the top insurance companies in Canada so we can help you find the coverage you need at the lowest rates. You can compare quotes online or give us a call and our team of licensed brokers will be happy to complete a quote for you. Get more affordable car insurance in Thunder Bay today!

How to compare Thunder Bay car insurance quotes

It's easy! Just complete these quick steps and start saving.

1) Start your quote

Enter your postal code and some basic information.

2) Enter your driving details

Provide your driving and vehicle information.

3) Compare quotes

See rates from the leading companies.

Choose your policy

Choose the best rate. Confirm the details with our experts and buy your insurance.

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5-star car insurance in Thunder Bay

Rated 4.7 out of 5 stars in 1291 Google reviews

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C G

2023-04-18 17:28:34

Awesome Experience, Darryl Fardy is the man, got me set up quick and easily. Greatly Appreciated.

WOLFGANG MUENCH

2023-04-16 14:15:24

Lisa was very pleasant to work out the details

Nabanita Debsarkar

2023-04-14 16:21:15

Evan was our Magician. He was prompt in addressing our need yet patient to understand our situation and help accordingly. We are definitely going to go back to him, every time we have an insurance need. We highly recommend his service.

Erin Stewart

2023-04-12 23:54:34

After a car accident, for which I was unfortunately at fault, and complications with my old insurance provider, Bailey at ThinkInsure was able to help me in just a couple of days find and get signed up with a new insurance company. He was friendly, professional, prompt, and diligent, and didn't make me feel bad for my past mistakes. He answered any questions I had and made me aware of all my options in layman's terms. I am fully satisfied with my experience and would recommend both Bailey and ThinkInsure to anyone seeking out first time insurance or a new insurance provider.

Anna Hicks

2023-04-06 14:29:50

I had contacted numerous insurance companies over couple of days . I called Thinkinsure and it became our last stop . The price was by far the best, the professional and friendly and calm service provided by Darryl Fardy was exceptional. Darryl is definitely a huge asset for the company as we got things done fast and efficiently. I have already recommended this company to many people .

debbie doyle

2023-04-04 14:31:06

Very considerate, clear and accurate of their knowledge. They follow up and are quick to reply. I would recommend this insurance company, I’m very satisfied.

Jared Haird

2023-03-30 23:58:05

Great experience. Fast and friendly service. Todd was extremely helpful with all of my requests. Highly recommend giving Todd a call for your insurance needs.

Marie

2023-03-28 21:02:28

If anyone is out there looking for a great insurance broker, I highly recommend Evan Venditti at ThinkInsure. His customer service and care were tremendous ... he was extremely prompt, responsive and personable. His knowledge and expertise are top notch and he was an absolute pleasure to work with.

How car insurance in Thunder Bay works

Thunder Bay auto insurance rules at set at the provincial level. All drivers must have valid insurance and need to carry at least $200,000 in third-party liability. A no-fault system is used, and the industry is regulated by the FSRAO. Drivers can get insurance through private insurers and brokerages.

There are two parts to your coverage – mandatory and optional coverage. Here is what is included in each:

Mandatory auto insurance

This is legally required to be included in all policies:

Third-party liability
Statutory accident benefits
Direct compensation property damage (DCPD)
Uninsured automobile

Optional auto insurance

You have the option to add one or more of these types of coverage to enhance your policy:

You have the choice to increase your coverage limits. You can also include endorsements to personalize your plan. Get more information about Ontario car insurance and how the system works.

Latest Thunder Bay car insurance quotes

2023/05/26

Shopper in THUNDER BAY, ON
Vehicle: VOLKSWAGEN TIGUAN 2.0 TSI 4DR 2WD 2010
CAA My Pace	$697
Travelers	$1,604
Chieftan	$1,788
Pembridge	$1,974
Savings from top 4 cheapest quotes	$1,277

2023/05/10

Shopper in THUNDER BAY, ON
Vehicle: HONDA ACCORD EX 4DR 2008
CAA My Pace	$1,995
Travelers	$4,179
Chieftan	$4,572
Intact	$4,662
Savings from top 4 cheapest quotes	$2,667

Tips for cheaper car insurance in Thunder Bay

All drivers in Thunder Bay want to save more on their auto insurance. Don’t you? The trick is knowing what to do to reduce your rates. Here’s how:

Work with a ThinkInsure broker: Working with our experts allows you to compare car insurance quotes from the top insurers.
Ask about discounts: Insurers offer many types of discounts. Inquire about the types of discounts you may qualify for.
Bundle: Combining insurance, or adding multiple vehicles to one policy will qualify you for a discount.
Review quotes: The only way to know if you are reducing your costs is to get an estimate.
Your car: Drive an insurance-friendly vehicle that has high safety ratings.
No claims: Stay accident and claims-free, insurers will reward you with savings.
Tickets and convictions: Be a good driver and follow the rules to stay ticket and conviction free.

Thunder Bay car insurance and driving advice

As the largest municipality in Northern Ontario, the city is a central transportation hub for the region. For drivers, this means lots of highway driving along Highway 11, Highway 17, the Thunder Bay Expressway, and Golf Links Road.

An amalgamation between two previously separate cities, Port Arthur and Fort William, residents and businesses rely heavily on vehicles for effective transportation. People in Thunder Bay need to have a car insurance policy that reflects their driving habits. Use these tips to drive safely:

Take on-road and off-road safety seriously: According to the Thunder Bay District Health Unit, on and off-road collisions are a leading cause of injury in the region. When driving, watch out for ATVs, snowmobiles, cyclists, and other vehicles.
Collisions are declining: According to a recent study, collisions in Thunder Bay have decreased by 8%.
Consider comprehensive : With a large wildlife population, the presence of off-road vehicles, severe weather, and many other risk factors, it’s recommended you get comprehensive coverage to ensure you are covered for all situations.
Watch out for potholes: Potholes are very common. The sudden change in temperature during spring creates perfect conditions. Watch out for them!
Watch out for flash flooding: Flash flooding is possible during the spring and summer, particularly on roads outside of city limits.
Winter tires are a must: Winters can be harsh and driving conditions can be dangerous. Use winter tires to drive during the winter months.

Thunder Bay car insurance FAQs

How much does car insurance in Thunder Bay cost?

While the average cost varies based on many factors, drivers in Thunder Bay with clean driving records can get car insurance for about $1,000 annually. Residents typically pay hundreds of dollars less per year than in other parts of the province.

How can you save on auto insurance in Thunder Bay?

There are many ways for Thunder Bay drivers to pay less for auto insurance. In addition to adjusting your policy, you can maintain a clean driving record, drive a safe vehicle, increase your deductible, and live in a low-crime neighbourhood.

What are the best insurance companies in Thunder Bay?

No one insurance company is the best provider of car insurance in Thunder Bay. You can get quotes and compare options from all the top providers including CAA, Aviva, Intact, Wawanesa, and many more. The important thing to keep in mind is to look for a provider that can address your insurance needs. For example, if you are a senior, you may want to use an insurer that specializes in coverage for seniors. Comparing quotes is the most effective way to find the best company for you.

Get a Thunder Bay car insurance quote

Thunder Bay drivers can keep their low car insurance rates by comparing quotes annually. Start a quote online to find out just how much more you can save on your next policy.

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Sources

* Based on the difference between the average lowest premium and the overall average premium in Ontario for estimates completed from January 1 to March 31, 2023, for drivers with a clean driving record.

Insurance Blog And News

Read our insurance blog get helpful tips, information and news.

2023-05-26

Compare Thunder Bay Car Insurance Quotes

Drivers can save up to $754* by comparing cheap rates for car insurance in Thunder Bay.

Compare Thunder Bay car insurance quotes from the leading providers

Find lower auto insurance rates in Thunder Bay